Years of paying for insurance in case of disability. Cigna paid the short term disability but when it turned into long-term, they terminated the long-term at the first follow up. Even though Social Security found permanent disability, CIGNA knows better and terminated payments. Reason? The mental health clinician used the term stable in her confidential medical records (stable in this case meant condition quit deteriorating when employment stopped) and a note indicating 8 hours of volunteering A MONTH! Wow, ability to volunteer 4 hours for two days of the month means able to work 320+ hours/month. Smart folks there at Cigna.